What Travel Insurance Plan Is Right for You and Your Trip?
AXA offers four travel insurance plans designed to help support a wide range of travel needs, whether you're taking a short domestic trip or planning international travel. Each travel insurance plan includes benefits such as trip cancellation, trip interruption, emergency medical expense coverage, and baggage protection.
Coverage limits and included benefits vary by plan. Our Bronze Travel Protection provides essential protections, while the Gold Travel Protection Plan includes added features such as rental car coverage, increased medical limits, and optional Cancel for Any Reason (CFAR) coverage available at an additional cost. The right travel insurance plan for you depends on your destination, trip length, and the level of protection you're looking for.
Use the comparison table below to review the plans side by side and choose the one that fits your travel plans.
Compare AXA Travel Protection Plans
Compare coverage, understand your benefits, and choose the AXA travel insurance plan that lets you focus on enjoying your trip.
| Bronze | Silver | Gold | Platinum | |
|---|---|---|---|---|
| Travel ✈️ | ||||
| Trip cancellation | - | 100% of Trip Cost | 100% of Trip Cost | 100% of Trip Cost |
| Trip Interruption | $2,500 | 100% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost |
| Trip Delay | - | $100/day; $500 maximum | $200/day; $1000 maximum | $300/day; $1250 maximum |
| Missed Connection | - | $500 | $1,000 | $1,500 |
| Accident & Health ❤️ | ||||
| Emergency Accident and Sickness Medical Expenses | $100,000 | $25,000 | $100,000 | $250,000 |
| Emergency Evacuation | $250,000 | $100,000 | $500,000 | $1,000,000 |
| Non-Medical Emergency Transportation | $150,000 | - | $50,000 | $100,000 |
| Accidental Death and Dismemberment | - | $10,000 | $25,000 | $50,000 |
| Common Carrier Accidental Death & Dismemberment (Air Only) | - | $25,000 | $50,000 | $100,000 |
| Property 💼 | ||||
| Baggage Delay | $200 | $200 | $300 | $600 |
| Baggage and Personal Effects | - | $750/$150 per article limit | $1,500/$250 per article limit | $3,000/$500 per article limit |
| Sports 🏉 | ||||
| Lost Skier Days | - | - | - | $125 |
| Lost Golf Rounds | - | - | - | $500 |
| Sports Equipment Rental | - | - | - | $1,000 |
| Optional benefits ✚ | ||||
| Rental Car Coverage | - | - | $35,000 | $50,000 |
| Cancel for Any Reason (must be purchased within 14 days of initial trip deposit) | - | - | - | 75% of Trip Cost |
| Get a quote now | ||||
Recognized for Excellence in Travel Protection
We’ve continued to earn trust and recognition. In Forbes Advisor’s 2025 review of travel insurance options, AXA’s Platinum plan was named among the highest-rated plans,
reflecting our reliability and commitment to traveller satisfaction.
What Optional Coverages Are Available, and When Should I Consider Them?
In addition to core benefits, select AXA travel insurance plans offer optional coverages that can be added for an additional cost. These additions provide options for travelers looking for broader protection.
Cancel for Any Reason (CFAR) is available as an optional benefit on the Platinum plan. This upgrade allows you to cancel your trip for reasons not otherwise covered, such as a change of mind or personal circumstances. CFAR must be purchased within 14 days of your initial trip deposit and requires insuring the full trip cost. It reimburses up to 75% of your prepaid, non-refundable expenses.
Rental Car Damage Coverage is available on the Gold and Platinum plans. This benefit can be helpful if you plan to rent a vehicle during your trip and want additional protection beyond what your credit card or auto policy may provide. Optional benefits can be valuable if your trip includes higher costs, more complicated logistics, or greater flexibility. Not all upgrades are available on every plan, so be sure to review which options apply before making your selection.
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How Early Should I Buy Travel Insurance?
The best time to purchase your AXA travel insurance plan is shortly after booking your trip. Buying early helps ensure you're eligible for time-sensitive benefits and provides coverage for unexpected events that may occur before your departure.
For example, Cancel for Any Reason (CFAR) is an optional upgrade available on the Platinum plan, but it must be purchased within 14 days of your initial trip deposit. Similarly, coverage for certain pre-existing medical conditions may also require that you purchase your plan within a specific timeframe and meet other eligibility criteria.
In addition to eligibility, purchasing early allows you to take advantage of benefits such as trip cancellation coverage right away. This means if you have to cancel your trip for a covered reason before your departure, your plan may reimburse eligible non-refundable costs.
Even if your trip is months away, securing your travel insurance early gives you more options and helps protect your investment in case plans change. Waiting until the last minute may limit the benefits available to you.
Review your travel details as soon as your trip is booked to find the plan and purchase window that best matches your needs.
Questions or concerns
about your travel plan?
Book now Call us at 855-327-1441
Email us at AXATravelinsurance@axa-assistance.us
Frequently Asked Questions
How do I know which AXA travel insurance plan is right for me?
Start by considering your destination, trip length, and personal needs. Look at the level of coverage offered, including medical, cancellation, and baggage benefits. AXA’s plan comparison can help you evaluate options side by side.
Can I add optional features to any AXA travel insurance plan?
Yes, optional features like Rental Car coverage and Cancel for Any Reason (CFAR) are available on select plans for an added cost. These may include higher benefit limits or coverage for certain pre-existing conditions. Not all features are available on every plan, so it’s important to review which options apply to the specific plan you’re considering before purchasing.
Do all travel insurance plans include emergency medical coverage?
Yes, every AXA travel insurance plan includes emergency medical expense coverage. However, the benefit limits and specific services covered, such as hospital stays, physician visits, and emergency dental care can differ between plans. It’s important to review each plan’s policy details to understand what types of treatment are included and whether coverage levels align with your travel destination, especially for international trips.
Does AXA offer Cancel For Any Reason (CFAR)? Which plan has it?
Yes, AXA offers Cancel For Any Reason (CFAR) coverage, but only as an optional upgrade on the Platinum plan. CFAR reimburses you for up to 75% of your trip cost if you cancel for reasons not normally covered, such as simply deciding not to travel. To qualify, you must purchase CFAR within 14 days of your initial trip deposit and insure your full trip cost.
What’s the main difference between the travel insurance plans?
AXA’s plans vary mainly by coverage limits, included benefits, and available upgrades. Bronze Travel Protection Plan provides essential protection with modest limits, while the Platinum Travel Protection Plan increases those limits and add options like rental car coverage or Cancel For Any Reason. The most suitable choice depends on your trip length, destination, and how much protection you want.
Who is eligible to buy AXA travel insurance?
AXA travel insurance plans are available to U.S. residents. Because travel insurance regulations differ by state, certain benefits and optional upgrades may vary depending on where you live. It’s important to read the policy wording for your state before purchasing so you know exactly which protections and features apply to your plan.
Can I change my travel insurance plan after purchase?
Modifications may be possible if your trip details change, for example, if you reschedule your departure date or adjust your trip cost. To make changes, contact AXA before your coverage begins. Some changes may affect your eligibility for benefits like Cancel for Any Reason (CFAR) or pre-existing condition waivers, so it’s best to review and update your plan as soon as your travel plans shift.
Need Help Choosing a Plan?
Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip.
From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.